This is a discussion on Are there any medical insurance designed for pregnant women? within the General Pregnancy Discussion forum, part of the Pregnancy Forum category; Does anybody know any medical insurance designed for pregnant women? And then part of costs of pregnancy and delivery could ...
Does anybody know any medical insurance designed for pregnant women? And then part of costs of pregnancy and delivery could be coverd by the insurance.
My insurance agent was just telling me..Great Eastern covers pregnant women but complications rather than care but still worth it i think.I didnt take it up coz dont know if i wld be having any more kids.
There's a T&C for those insurance that cover complications during pregnancy. The policy needs to be bought at least 1 yr before you concieve. [This is based on my research.]
There are some existing policies that already cover, but we may not know. Check with your agent.
Yes, what stonston says is true. my husband is GE agent. I'm not trying to get biz here. just sharing.
for GE, the policy need to be purchase 10mths before you r preg. So the best time to buy is once you get marry or planning for a baby right after yr marriage.
I personally feel that it's impt as i have friends around me that benefit from this policy.
eg, my friend was due but baby doesn't wanna come out. Admitted & induce twice in 2 days but still no signs of delivery. have to go for c-sect & stayed 6 days 5 nites in Thomson Medical Center. Bill 100% covered by GE.
another friend. baby was in 38th weeks & contraction kicks in. baby's head is not down yet & thus have to go for c-sect. a pity she dont't have the insurance to cover her bill. If not, it's considered as complications too.
Both this cases happen just last month.
NTUC Incomeshield also has a similar plan. It also covers miscarriage & birth defects. I bought it last Oct after I had a miscarriage which cost me a bomb (then this type of insurance was not in place). It only takes effecty after 10 months. Iused to buy from AIA HealthShield and even my AIA agent also asked me to transfer to Income Shield instead becos of its benefits.
AIA has such plan called global something and charge in US$.
I enquiried before last yr before trying for #2.
There is a window period like 10mths (i cant remember ) before you can get pregnant if not its not payable.
Basically it covers all your medical bills pertaining to your pregnancy be it natural birth or c-section.
But there is a cap limit, if you exceed it, you have to pay the balance.
I calculcated, its good if you can strike within the next 6mths after the coverage gets effective, if not, its not worth the investment.
Basically you are just paying and paying during the "window period" until you get pregnant.
So you need to do your mathematics before deciding to get this policy.
Just my opinion.
Basically there has got to be some kind of complication. Assisted delivery for eg. Use of forcep & vacuum are not considered. Elected c-sec are also not considered. Heard fm my Hubby he got a colleague's client case where the delivery is planned c-sec but still can claim as the mummy got some kind of complication ( I think is pre eclampsia) which gynae advise need to c sec.
Price for this kind of medical plan is about $200+ per yr from medisave, plus $20+ per month using cash. Just to add on that pregnancy complication benefits is just icing on the cake for this plan, everyone needs to be well covered so that yr hard earned money will not go to the doctor one day. Disclaimer for above info on claims are based on GE as other companies have different definitions on pregnancy complication, some are confined to only a few types.
I think recently Prudential also have, you might want to check it out........
Never thought of this kind of insurance..though there must be some life insurance plan or medical plan covering pregnancy cases. Research online or consult with insurance experts. Can browse through stanc, dbs websites..they might have such plan.
yeap. I heard about prudential having a plan (think its something like prulink plan) from my agent. The plan will goes to baby when baby is born. auto-transfer litat.
for some parents, whom afraid their baby "may" have complications or some rare dieases whereby insurer will not take in afterwhich, may want to get this plan. *touch wood* nobody want such cases. but just IN CASE.
as for pregnancy and delivery time may have complications, can also claim from the insurance, but i think the amount claimable is very little only. coz if i never rem wrongly, the monthly payment is also not alot.
therefore you pay less = you get less.
you may call their mainline n check this out.
im planning to get this plan when baby is about 15 weeks. at least more stable already.
Delivered my girl on 03 Feb 2011 & my boy on 03 Jan 2013 =)